Car Finance.
You've found the car. Before you take the dealer's finance - it's rarely the best deal - let us run it across 60+ lenders. Loans, leases and balloon options, new or used, first car or refinance.
Get a free quote
Won't affect your credit score.
What can we help you with?
Our Services
Car finance options - loans, leases, and balloon payments for Australian buyers
First car, upgrade or refinance - the dealership shows you one option. We show you the market across 60+ lenders.
New Car Loans
A brand-new car at a rate the dealer won't match. We compare 60+ lenders before you sign anything.
Used Car Loans
Most lenders take quality used cars - we know which ones are flexible on age and kilometres.
Low-Interest Car Loans
The first rate you're offered is rarely the best one. We compare the full panel to cut your total borrowing cost.
Car Lease Agreements
Lower monthly payments, but you don't own the car unless you buy it at the end. We explain the trade-off before you commit.
Refinancing Options
We compare your current loan against the market and only recommend refinancing if it puts you ahead.
Balloon Payment Options
Defer a slice of the loan to the end of the term and your regular repayments drop. We structure it around your cash flow.
Run The Numbers
Calculate your car finance repayments
Enter your loan details
Estimated repayment
$683.05 / month
No impact to your credit score
Estimates only, based on the example rate and the figures you enter. Assumes a fixed-rate principal & interest loan over the full term, plus a lump-sum balloon payment due at the end. Your actual rate, structure and repayments will depend on your circumstances and the lender, so get in touch for a tailored quote.
What You Can Finance
Which vehicles we finance - new, used, EV, and prestige
Everyday family cars through to prestige models and EVs - new or used.
Eligibility
Car finance eligibility - what lenders in Australia look for
Steady income and reasonable credit will get you approved with most lenders. Imperfect history? There are usually still options - ask us.
Residency
Australian citizen or permanent resident - some lenders take eligible visa holders.
Age
18 or older at the time of application.
Employment & Income
Stable employment or a verifiable income that covers the repayments.
Credit Score
Good history preferred, not required - we work with lenders across the credit spectrum.
Income Capacity
Enough room in your budget for repayments alongside existing commitments.
Why Co-Pilot
Why Co-Pilot for car finance - not just any broker
We work for you, not the dealer
We're not tied to any dealership or bank. The finance we recommend suits you, not whoever pays a referral fee.
60+ lenders the dealership won't show you
Rates and options you won't get at the dealer or going direct - including specialists for EVs, prestige and imperfect credit.
Straight advice on loans, leases and balloons
Each structure hits ownership, tax and cash flow differently. We explain the trade-offs before you commit.
You hear from us before you have to ask
You'll know where your application stands, from pre-approval to keys in hand.
Car finance - how it works
Tell us the car and your situation. We find the finance.
We look at your income, credit history, deposit and the car itself, then run it across 60+ lenders - right rate, right term, and whether a balloon actually makes sense.
No hard credit enquiry until you're ready. Most approvals in 24-48 hours. We handle the paperwork; you pick up the keys.
Hear What Our Clients Are Saying
“I had an outstanding experience with Kristy and Joanne Xie throughout the finance process for my new BYD Shark 6. From start to finish, they were professional, responsive, knowledgeable and genuinely committed to finding the best outcome for me. They made what can often be a stressful process feel smooth and straightforward, keeping me informed every step of the way and always taking the time to answer my questions. Their communication, attention to detail and customer service were exceptional. Even when timelines were tight, they worked hard behind the scenes to ensure everything was settled efficiently and without hassle. I highly recommend Kristy and Joanne Xie to anyone looking for vehicle finance. Their dedication, expertise and willingness to go the extra mile made all the difference. Thank you both for your amazing support and for helping me get into my new BYD Shark 6! — Tanvir Abdullah 🚗⭐️⭐️⭐️⭐️⭐️”
Tanvir Abdullah
FAQ
Common Questions About Car Finance
Found the car? Let's get the finance sorted.
Tell us the vehicle. We compare 60+ lenders - loan, lease or balloon - and come back with the structure that fits.
No impact to your credit score